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Determinantes Del Acceso Al Crédito De Los Hogares

Listed author(s):
  • Andrés Murcia Pabón


Este documento busca identificar los determinantes de acceso al crédito de los hogarescolombianos y encuentra que características tales como el ingreso, la riqueza, la posicióngeográfica, el acceso a la seguridad social, el nivel de educación y la edad afectan laprobabilidad de ser usuario de los servicios financieros acá analizados (tarjeta de crédito ycrédito hipotecario). Adicionalmente se encontró que una porción importante de poblacióncuenta con unas condiciones financieras favorables (representados en unas altas tasas deahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podría haberposibilidades de expandir la oferta de crédito a ciertos segmentos.

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Paper provided by BANCO DE LA REPÚBLICA in its series BORRADORES DE ECONOMIA with number 004017.

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Length: 55
Date of creation: 27 Jul 2007
Handle: RePEc:col:000094:004017
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